Landlord Insurance Cost Guide — Average Prices & Ranges

Last updated October 5, 2026

When you price out landlord insurance, keep the $7,854 to $27,488 per year range in mind, centred near $14,693.

Typical cost at a glance

United States planning figures, per year
Level	Price
Low	~$7,854
Typical	~$14,693
High	~$27,488

Cost by type

Type	Low	Typical	High
Baseline cost at the advertised rate	~$7,854	~$17,671	~$27,488
Best-qualified applicant scenario	~$6,440	~$16,002	~$25,564
Weaker-credit scenario	~$8,482	~$22,108	~$35,734
Origination and third-party fees	~$942	~$4,182	~$7,422
Shorter term with higher payment	~$8,011	~$20,224	~$32,436

All figures per year.

What Landlord Insurance typically costs

The three numbers worth remembering for landlord insurance in your area are $7,854 at the simple end, $27,488 at the complex end and roughly $14,693 per year in between. Where your job lands depends mostly on scope and access.

How to compare quotes for landlord insurance

Before you choose a provider for landlord insurance, check what each quote excludes and how long it is held. A quote that expires quickly or hides extras is not a firm price.

What moves the price of landlord insurance

Materials and labour set the floor for landlord insurance; access and timing set the ceiling. A straightforward job near the low end of the $7,854–$27,488 band can climb quickly once access or urgency is added.

Getting quotes for landlord insurance

Ask for landlord insurance quotes in writing and insist they itemise labour, materials and fees. A verbal estimate is a starting point, not a number you can hold anyone to later.

Timing your landlord insurance

If the timing of landlord insurance is flexible, you can often beat the busy-season premium. Ask when the provider's schedule is lightest and whether an off-peak slot changes the price.

Frequently asked questions

How much does landlord insurance cost?

Most landlord insurance falls between $7,854 and $27,488, with a typical figure near $14,693 per year. The low end is a straightforward job with no surprises; the high end covers complex scope, premium materials or urgent timing. Local providers in your area can confirm how that applies to your area.

What affects the price of landlord insurance?

Providers price risk as well as work. A job with unknowns costs more to guarantee, which is why two quotes for the same request can differ so much. It is worth testing that against a couple of quotes in your area.

Is Landlord Insurance cheaper in smaller cities?

Often, but not always. Smaller markets can carry a travel or availability premium that offsets a lower local rate, so it is worth checking a nearby city before assuming the lowest published figure applies to you. The answer can shift with the your area market, so check locally.

How many quotes should I get for landlord insurance?

Two or three written quotes are enough to see the real market range. Compare the same scope side by side, and ask each provider what is excluded and what would change the price after the quote is accepted. In your area, that is worth confirming with a local provider before you commit.

These are planning ranges drawn from public price data and market research. They are not a quote, an offer or financial advice, and your actual price depends on the provider, the location and the scope of the work.